Best Lexus NX 300 Insurance Rates [Coverage Guide]

The cost of Lexus NX 300 auto insurance rates are $1,594 a year, or around $133 a month on average. Mature drivers with good driving records may find rates as low as $937 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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Key takeaways:

  • Full coverage costs around $1,594 a year or $133 each month
  • A liability-only policy costs around $639 a year or $53 each month
  • Highest rates are for teenage drivers at around $5,826 a year or $486 each month
  • Good drivers can save as much as $657 a year by earning policy discounts
  • Lexus NX 300 insurance costs around $75 more per year than the average vehicle

There are ways to save on Lexus NX 300 insurance rates. Good drivers can save as much as $657 a year by earning policy discounts. Our comprehensive guide breaks down insurance rates for a Lexus NX 300 and gives tips on how to save. Read on.

You can start comparing quotes for Lexus NX 300 car insurance rates from some of the best car insurance companies by using our free online tool now.

Lexus NX 300 Insurance Cost

The average auto insurance rates for a Lexus NX 300 cost $1,594 a year or $133 a month.

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Are Lexus NX 300s Expensive to Insure?

The chart below details how Lexus NX 300 insurance rates compare to other crossovers like the FIAT 500X, Subaru Crosstrek, and Cadillac XT4.

Vehicle Comprehensive Collision Liability Total
Lexus NX 300 $376 $688 $372 $1,594
FIAT 500X $256 $506 $450 $1,392
Subaru Crosstrek $320 $512 $332 $1,300
Cadillac XT4 $362 $656 $316 $1,470
Ford EcoSport $280 $500 $372 $1,310
Chevrolet Equinox $308 $532 $372 $1,370
BMW X6 $432 $834 $398 $1,822
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However, there are a few things you can do to find the cheapest Lexus insurance rates online.

What Impacts the Cost of Lexus NX 300 Insurance?

The Lexus NX 300 trim and model you choose can impact the total price you will pay for Lexus NX 300 insurance coverage.

Age of the Vehicle

The average Lexus NX 300 auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Lexus NX 300 cost $1,594, while 2018 Lexus NX 300 rates are $1,556, a difference of $38.

Model Year Comprehensive Collision Liability Total
2020 Lexus NX 300 $376 $688 $372 $1,594
2019 Lexus NX 300 $358 $660 $390 $1,566
2018 Lexus NX 300 $344 $656 $398 $1,556
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Driver Age

Driver age can have a significant effect on Lexus NX 300 car insurance rates. For example, 20-year-old drivers pay $1,950 more for their Lexus NX 300 car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Lexus NX 300 insurance rates. For example, drivers in Los Angeles may pay $1,371 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Lexus NX 300 car insurance. Teens and drivers in their 20’s see the highest jump in their Lexus NX 300 auto insurance rates with violations on their driving record.

Lexus NX 300 Safety Ratings

The Lexus NX 300’s safety ratings will affect your Lexus NX 300 car insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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Lexus NX 300 Crash Test Ratings

If the Lexus NX 300 crash test ratings are good, you could have lower Lexus NX 300 car insurance rates. See Lexus NX 300 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Lexus NX 300 N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Lexus NX 300 Safety Features

Most drivers don’t realize that not only do Lexus NX 300 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Lexus NX 300 auto insurance rates. The Lexus NX 300’s safety features include:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Lexus Enform Safety Connect Emergency Sos
  • Forward Collision Mitigation
  • Lane Keep Assist Lane Keeping Assist
  • Lane Keep Assist Lane Departure Warning
  • Tire Specific Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver Knee Airbag and Passenger Cushion Front Airbag
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts
  • Back-Up Camera

Lexus NX 300 Finance and Insurance Cost

If you are financing a Lexus NX 300, you will pay more if you purchase Lexus NX 300 auto insurance at the dealership, so be sure to shop around and compare Lexus NX 300 auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Lexus NX 300 Insurance

There are many ways that you can save on Lexus NX 300 car insurance. Below are five actions you can take to find cheap Lexus NX 300 auto insurance rates.

  • Drive Your Lexus NX 300 Safely
  • Park Your Lexus NX 300 Somewhere Safe – like a Garage or Private Driveway
  • Ask About Student Discounts
  • Ask About Mature Driver Discounts for Drivers Over 50
  • Get a Plan with Only Liability Coverage If You’re Driving an Older Lexus NX 300

Top Lexus NX 300 Insurance Companies

Who is the top car insurance company for Lexus NX 300 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lexus NX 300 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lexus NX 300 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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